The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$52,750
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,391
−HK$1,667/mo
Today · 4.125%
HK$56,058
baseline
▲ 0.50% · 4.625%
HK$59,469
+HK$3,411/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$112,116/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,684
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,258
−HK$1,596/mo
Today · 4.125%
HK$61,854
baseline
▲ 0.50% · 4.625%
HK$65,115
+HK$3,261/mo
Deposit HK$11.57M · loan HK$11.57M · min. income ≈ HK$123,708/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,300
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$2,001/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$71,363
+HK$4,093/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,421
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,309
−HK$1,916/mo
Today · 4.125%
HK$74,225
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$3,913/mo
Deposit HK$9.25M · loan HK$13.88M · min. income ≈ HK$148,450/mo (50% DSR)
Upfront cash ≈ HK$10.24M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,850
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,147
−HK$2,334/mo
Today · 4.125%
HK$78,481
baseline
▲ 0.50% · 4.625%
HK$83,257
+HK$4,776/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$156,962/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,158
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,361
−HK$2,235/mo
Today · 4.125%
HK$86,596
baseline
▲ 0.50% · 4.625%
HK$91,161
+HK$4,565/mo
Deposit HK$6.94M · loan HK$16.19M · min. income ≈ HK$173,192/mo (50% DSR)
Upfront cash ≈ HK$7.92M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,950
−HK$5,954/mo
▼ 0.25% · 3.875%
HK$97,904
−HK$3,000/mo
Today · 4.125%
HK$100,904
baseline
▲ 0.50% · 4.625%
HK$107,044
+HK$6,140/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$201,808/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,631
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$108,464
−HK$2,874/mo
Today · 4.125%
HK$111,338
baseline
▲ 0.50% · 4.625%
HK$117,207
+HK$5,869/mo
Deposit HK$2.31M · loan HK$20.82M · min. income ≈ HK$222,676/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$983,170 · Scale 2, in force from 26 Feb 2026)